About

At SMP, we understand that checking to see if you have the most suitable mortgage can be somewhat of a drag - let alone when you come to the end of a deal and get put on your lenders standard variable rate (SVR). That's why, when you transact with SMP, we promise to monitor your mortgage rate for life, to ensure you always have the most suitable deal. And, even if your financial circumstances change during your initial rate period, the SMP Promise ensures we will always help you to arrange the most suitable product for you.

  • That's a lifetime of liaising with solicitors and valuers that we will do for you.
  • That’s never, ever going onto your lender’s SVR and possibly paying well above the odds.
  • That's consistently getting the best value from your largest financial commitment.

Making sure you get good value – always

If we've arranged a mortgage with a special introductory rate, be that a fixed or a variable, we'll make sure we check out the market a few months before the special rate comes to an end - and get in touch if we think you'd be better off with another product. That could be over 18 months from now, 3 years or 5 years. Whatever your introductory offer period, we promise to remember, and we promise to get back to you if you could be saving.

The SMP Promise gives total peace of mind, enabling you to:

  • Choose your mortgage with the benefit of expert advice.
  • Take advantage of introductory rates, knowing we'll tell you if there are better deals available whenever the initial offer ends.
  • Be confident throughout the lifetime of your mortgage, because we will regularly review your rates and get in touch if we think you could benefit from a different product.
  • Contact a SMP expert should your circumstances change or you feel there are new products from which you could benefit.

Whichever mortgage we arrange for you, we promise to regularly check your rates for the lifetime of your mortgage - which means that you never need worry about it again.

Dedicated customer service

If you're applying for a mortgage, finding the right deal is only the first step. It can take a while for your mortgage to reach completion. That's where our dedicated Mortgage Associates come in:

We'll assign a named individual to liaise with your lender, solicitor and surveyor and manage the process right through to getting a satisfactory offer. They'll chase up references, instruct your survey and be the central point of contact for your mortgage application, keeping you updated every step of the way.

How long does a mortgage take to reach completion?

Your mortgage process should go through three stages: Mortgage offer; from mortgage offer to exchange of contract; exchange of contract to completion.

The length of time each stage takes depends on a number of factors: The chain, how quickly you can organise your paperwork, the speed of solicitors and valuers involved. If you transact through SMP, we will take time to understand the timescales you would like to meet and will tell you if they are realistic. We will then liaise with all the professionals involved to try to help you meet your deadlines - and keep you informed throughout.

How often will our team contact you?

Your dedicated Mortgage Associate will do all they can to keep you fully informed by committing to the following:

  • Contacting you in the way you find most convenient - by phone or email
  • Contacting you at regular intervals to update you on the progress of your application.
  • Giving you an estimated date for the next activity every time they contact you
  • Answering any of your questions between 9.30am and 5.00pm Monday to Friday (or promising to get back to you within 24 hours if they aren't available when you call)

What if anything goes wrong?

Of course, with so many people involved, problems can occur from time to time during a mortgage application. Having helped people arrange mortgages for many years, we know what to expect – and how to prevent many problems occurring.

Having helped people arrange mortgages for many years, we know what to expect - and how to prevent many prevent many problems occurring.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE